S&T Bancorp, Inc. (STBA) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Customers Bancorp, Inc.

First Busey Corp.

Stock Yards Bancorp, Inc.

1st Source Corp.

National Bank Holdings Corp.

First Bancorp (North Carolina)

S&T Bancorp, Inc.

Lakeland Financial Corp. (Indiana)

TriCo Bancshares

Merchants Bancorp (Indiana)

Westamerica Bancorporation

Why is S&T Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 3.12%

Flat results in Jun 25

OPERATING CASH FLOW(Y) Lowest at USD 139.07 MM
OPERATING PROFIT(Q) Lowest at USD 39.98 MM
OPERATING PROFIT MARGIN(Q) Lowest at 31.02 %

With ROA of 0.90%, it has a fair valuation with a 1.06 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -7.91%, its profits have fallen by -2%

High Institutional Holdings at 73.99%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -7.91% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to S&T Bancorp, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is S&T Bancorp, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

S&T Bancorp, Inc.

-5.49%

1.24

27.49%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.21%

EBIT Growth (5y)

17.80%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

39.04%

Pledged Shares

Institutional Holding

73.99%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.06

EV to EBIT

8.51

EV to EBITDA

8.51

EV to Capital Employed

1.06

EV to Sales

2.78

PEG Ratio

Dividend Yield

2.75%

ROCE (Latest)

12.49%

ROE (Latest)

9.41%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

GROSS NPA (%)

DIVIDEND PER SHARE(HY)

Highest at USD 0

NII(Q)

Highest at USD 86.57 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 41.18%

CASH AND EQV(HY)

Highest at USD 174.89 MM

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 139.07 MM

OPERATING PROFIT(Q)

Lowest at USD 39.98 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 31.02 %

PRE-TAX PROFIT(Q)

Lowest at USD 39.98 MM

NET PROFIT(Q)

Lowest at USD 31.9 MM

EPS(Q)

Lowest at USD 0.83

Here's what is working for S&T Bancorp, Inc.

Non Performing Loans (%)

Lowest at 0.27% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII

Highest at USD 86.57 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Cash and Eqv

Highest at USD 174.89 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Dividend Payout Ratio

Highest at 41.18%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Here's what is not working for S&T Bancorp, Inc.

Operating Cash Flow

Lowest at USD 139.07 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit

Lowest at USD 39.98 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 31.02 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 39.98 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 31.9 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.83

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)